Williams Financial, LLC
In its 13F for Q4 2025 (holdings as of December 31, 2025, filed February 2, 2026), Williams Financial, LLC reported 24 stock positions worth $172.8 million. Its top holding was JPMorgan Income ETF (JPIE) at 28.2% of the portfolio, followed by iShares Core S&P 500 ETF (IVV, 13.0%) and PIMCO Enhanced Short Maturit (MINT, 9.2%). Compared with Q3 2025, it opened 14 new positions, sold out of 7, added to 5 and reduced 2. The biggest buy was a new position in PIMCO Enhanced Short Maturit (MINT) and the biggest sale an exit from Schwab Short-Term US Treas (SCHO).
- Most Recent 13F
- Q2 2026
- Location
- NORTH BENNINGTON, VT
- CIK
- 0001846923
- Portfolio Value
- $172.8M (Q4 2025)
- SEC Filing
- 0001214659-26-001066 ↗ filed Feb 2, 2026
Holdings Value
Holdings 24 stocks · $172.8M
| JPIE JPMorgan Income ETF | 28.22% | 1,053,702 | $48.8M | Add +131.0% |
| IVV iShares Core S&P 500 ETF | 13.05% | 32,921 | $22.5M | Add +112.7% |
| MINT PIMCO Enhanced Short Maturit | 9.18% | 158,125 | $15.9M | New |
| FNDX Schwab Fndmntl US LRG Co. ETF | 8.53% | 541,764 | $14.7M | New |
| VEU Vanguard Ftse All-World Ex-U | 8.22% | 193,124 | $14.2M | New |
| DGRW Wisdomtree U.S. Quality Divi | 7.25% | 140,193 | $12.5M | New |
| FNDF Schwab Fndmn Intl LRG Co. ETF | 4.51% | 172,386 | $7.8M | New |
| SCHP Schwab U.S. Tips ETF | 3.31% | 215,919 | $5.7M | New |
| SCHH Schwab US REIT ETF | 2.79% | 230,952 | $4.8M | New |
| VCIT Vanguard Int-Term Corporate | 2.15% | 44,268 | $3.7M | New |
| DFIS Dimensional International SM | 2.14% | 112,366 | $3.7M | New |
| SMLF iShares US Smallcap Equity F | 2.11% | 48,655 | $3.6M | New |
| SCHR Schwab Intermediate-Term US | 1.64% | 113,341 | $2.8M | New |
| SJNK SS SPDR BB St Hi Yield ETF | 1.61% | 109,780 | $2.8M | New |
| SCHE Schwab Emrg Mrkts Eqty ETF | 1.45% | 76,782 | $2.5M | New |
| AAPL Apple Inc. | 1.24% | 7,892 | $2.1M | Reduce -0.2% |
| FNDA Schwab Fndmntl US SM Co. ETF | 1.03% | 56,523 | $1.8M | New |
| XOM Exxon Mobil Corp. | 0.41% | 5,866 | $706K | Add +0.3% |
| CVS CVS Health Corp. | 0.32% | 7,020 | $557K | No change |
| MSFT Microsoft Corp. | 0.24% | 858 | $415K | Add +2.5% |
| TD Toronto-Dominion Bank | 0.17% | 3,146 | $296K | No change |
| IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS | 0.16% | 941 | $279K | No change |
| AMZN Amazon.com Inc. | 0.14% | 1,051 | $243K | Reduce -1.2% |
| SYY Sysco Corp. | 0.13% | 2,979 | $220K | Add +0.5% |
Portfolio Sells Q3 2025 → Q4 2025
| SCHO Schwab Short-Term US Treas | Sold out | 0.00% | −23.79 |
| SPYV SS SPDR P S&P 500 Value ETF | Sold out | 0.00% | −20.18 |
| DBEF Xtrackers MSCI Eafe Hedged E | Sold out | 0.00% | −17.48 |
| AAPL Apple Inc. | Reduce -0.2% | 1.24% | −0.84 |
| SCHM Schwab US Mid Cap ETF | Sold out | 0.00% | −0.50 |
| BRK.B Berkshire Hathaway Inc. Class B | Sold out | 0.00% | −0.29 |
| SCHA Schwab US Small-Cap ETF | Sold out | 0.00% | −0.26 |
| GBTC Grayscale Bitcoin Trust ETF | Sold out | 0.00% | −0.21 |
| AMZN Amazon.com Inc. | Reduce -1.2% | 0.14% | −0.10 |
Portfolio Buys Q3 2025 → Q4 2025
| MINT PIMCO Enhanced Short Maturit | New | 9.18% | +9.18 |
| FNDX Schwab Fndmntl US LRG Co. ETF | New | 8.53% | +8.53 |
| VEU Vanguard Ftse All-World Ex-U | New | 8.22% | +8.22 |
| DGRW Wisdomtree U.S. Quality Divi | New | 7.25% | +7.25 |
| JPIE JPMorgan Income ETF | Add +131.0% | 28.22% | +6.39 |
| FNDF Schwab Fndmn Intl LRG Co. ETF | New | 4.51% | +4.51 |
| SCHP Schwab U.S. Tips ETF | New | 3.31% | +3.31 |
| SCHH Schwab US REIT ETF | New | 2.79% | +2.79 |
| IVV iShares Core S&P 500 ETF | Add +112.7% | 13.05% | +2.36 |
| VCIT Vanguard Int-Term Corporate | New | 2.15% | +2.15 |
| DFIS Dimensional International SM | New | 2.14% | +2.14 |
| SMLF iShares US Smallcap Equity F | New | 2.11% | +2.11 |
| SCHR Schwab Intermediate-Term US | New | 1.64% | +1.64 |
| SJNK SS SPDR BB St Hi Yield ETF | New | 1.61% | +1.61 |
| SCHE Schwab Emrg Mrkts Eqty ETF | New | 1.45% | +1.45 |
| FNDA Schwab Fndmntl US SM Co. ETF | New | 1.03% | +1.03 |
| SYY Sysco Corp. | Add +0.5% | 0.13% | −0.12 |
| MSFT Microsoft Corp. | Add +2.5% | 0.24% | −0.21 |
| XOM Exxon Mobil Corp. | Add +0.3% | 0.41% | −0.27 |
All Filings
| Quarter | Positions | 13F Reported Value | Top Holdings |
|---|---|---|---|
| Q2 2026 | 30 | $193.5M | JPIE, IVV, FNDX, MINT, VEU |
| Q1 2026 | 25 | $171.8M | JPIE, IVV, MINT, FNDX, VEU |
| Q4 2025 | 24 | $172.8M | JPIE, IVV, MINT, FNDX, VEU |
| Q3 2025 | 17 | $97.0M | SCHO, JPIE, SPYV, DBEF, IVV |
| Q2 2025 | 10 | $91.7M | SCHO, JPIE, SPYV, DBEF, VDC |
| Q1 2025 | 15 | $143.1M | SPYV, DBEF, SCHO, JPIE, BINC |
| Q4 2024 | 18 | $160.6M | SPYV, IWY, BIV, SLQD, SCHO |
| Q3 2024 | 18 | $160.0M | SPYV, IWY, BIV, SLQD, SCHO |
| Q2 2024Amended | 17 | $150.2M | SPYV, IWY, BIV, SLQD, SCHO |
| Q1 2024 | 19 | $150.2M | SPYV, IWY, BIV, SLQD, SCHO |